MOST18: Benefits
MOST18 Benefits
Marami ang gusto kumuha ng MOST18 term with premium deposit fund, kasi
- Ito ay proteksiyon para sa pamilya "If you die too soon"
- Ito ay emergency fund, "if you have emergencies"
- Ito ay investment "if you live too long"
Ito ang perfect solution para sa "Buy Term, Invest the Difference (BTID) strategy.
Dahil term insurance, ito ay may high protection coverage, pero mababa ang premium.
Dahil Premium Deposit Fund, ang investment component ay:
- may guaranteed positive growth > 0. Laging may kita!
- competitive ang rate of return, maaaring 12% ang long term growth
- withdrawable ang PDF, maski sa unang taon.
- safe, walang lugi, walang investor risk!
Ito ay flexible ang contribution schedule!
- pwede magbayad taon taon
- pwede magbayad ng ilang taon lang
- pwede one time, weekly, monthly, quarterly o annual payment
- pwede some time, pwede all the time.
Pwede mag-skip kung gipit, pwede mag-dagdag pag may bonus!
Multiple Option, kaya pwede pang
- emergency fund
- college fund
- travel fund
- health fund
- retirement fund (lump sum)
- pension fund
- pwedeng FUN fund :-)
Ito ay 18 year level term, kaya fixed ang premium at coverage ng 18 years.
Renewable hanggang 60 years old kaya pwede covered hanggang 78!
May Additional Protection Pa!
Para ma-kompleto ang proteksyon, mayroon ang MOST18 ng riders, o additional protection benefits!
- Accidentant Death
Kung kunin ni Lord dahil sa aksidente, ma-doble ang basic death benefit - Terminal Illness
Kung magkaroon ng taning ang buhay, i-advance ang P 500,000 para maaring magamit habang buhay pa ang insured. - Critical Illness
Kung ma-diagnose ng critical illness (cancer, stroke, heart problem, etc) may benefit na 30% ng coverage para magamit sa pagpapagamot - Waiver of Premium for Payor
Kung ang payor para sa policy ng minor ay kunin ni Lord, ang premium para sa minor ay libre na!
18 benefits we love in MOST18
Three in one product
MOST 18 is a 3-in-one protection solution!
(1) term insurance with
(2) investment fund that can be used as an
(3) emergency fund.
MOST 18 is a 3-in-one protection solution!
(1) term insurance with
(2) investment fund that can be used as an
(3) emergency fund.
Multiple Option
Design your plan as an educational fund, retirement fund, income protection, house/lot/car purchase, donation, emergency fund, or "pamana" to fit your protection and investment requirements.
Design your plan as an educational fund, retirement fund, income protection, house/lot/car purchase, donation, emergency fund, or "pamana" to fit your protection and investment requirements.
Super Term
You can have a plan for as low as ₱15 per day (₱450 per month) for a 20 year old. If you can afford "lotto," you can afford the most flexible term with PDF solution today: MOST 18! Flexible goals, flexible payments, flexible investing, worry-free, predictable costs. Super talaga!
You can have a plan for as low as ₱15 per day (₱450 per month) for a 20 year old. If you can afford "lotto," you can afford the most flexible term with PDF solution today: MOST 18! Flexible goals, flexible payments, flexible investing, worry-free, predictable costs. Super talaga!
Affordable
Term insurance is much less expensive than other forms of insurance, making higher coverage and benefits affordable.
The higher the coverage, the lower the cost of insurance.
Coverage can start at ₱250k, with premium of ₱4 to ₱30 a day for age 5 to 60.
No hidden fees! Just the ₱500 one-time policy fee and the insurance charges.
No top-up-fee, no premium charges, no early redemption fee, no periodic monthly fee
Plus nominal amendment fees (for the once-in-a-blue-moon paperwork change such as change in beneficiary) for for frequent withdrawal (if more than 3 withdrawals in a year)
Term insurance is much less expensive than other forms of insurance, making higher coverage and benefits affordable.
The higher the coverage, the lower the cost of insurance.
Coverage can start at ₱250k, with premium of ₱4 to ₱30 a day for age 5 to 60.
No hidden fees! Just the ₱500 one-time policy fee and the insurance charges.
No top-up-fee, no premium charges, no early redemption fee, no periodic monthly fee
Plus nominal amendment fees (for the once-in-a-blue-moon paperwork change such as change in beneficiary) for for frequent withdrawal (if more than 3 withdrawals in a year)
Cash/Saving/Investment value.
Premium deposit fund is an optional investment rider that enables the plan owner to build cash/savings/investment value together with his term insurance.
On death, the beneficiary gets the sum assured (from the term life insurance) plus the cash value.
On termination, the plan owner gets the cash value.
Premium deposit fund is an optional investment rider that enables the plan owner to build cash/savings/investment value together with his term insurance.
On death, the beneficiary gets the sum assured (from the term life insurance) plus the cash value.
On termination, the plan owner gets the cash value.
Safe as a bank, guaranteed positive growth!
The investment component in the Premium Deposit Fund has guaranteed positive growth!
The only ways for your PDF value to decrease is through withdrawals or payment of insurance premiums. The investment portion can only increase whether the stock market is going up or down.
Minimum growth guaranteed by Manila Bankers Life is the average savings account interest rate of the biggest banks.
Investment risk is entirely with Manila Bankers Life.
The investment component in the Premium Deposit Fund has guaranteed positive growth!
The only ways for your PDF value to decrease is through withdrawals or payment of insurance premiums. The investment portion can only increase whether the stock market is going up or down.
Minimum growth guaranteed by Manila Bankers Life is the average savings account interest rate of the biggest banks.
Investment risk is entirely with Manila Bankers Life.
Competitive growth rate like mutual funds!
The Premium Deposit Fund is invested in various instruments, such as bonds and stocks and thus, PDF has potentially high growth with no maximum.
The Premium Deposit Fund is invested in various instruments, such as bonds and stocks and thus, PDF has potentially high growth with no maximum.
High Protection with Low Premiums.
MOST 18 is 18-year-level term with high protection/coverage.
Those 31 years old and below can get high protection coverage (e.g. ₱1,000,000 coverage) with low premiums (₱6,000 or less ANNUAL premium)
Tax Advantage
Life insurance proceeds are not subject to estate tax if beneficiaries are designated irrevocable.
Life insurance proceeds are not subject to estate tax if beneficiaries are designated irrevocable.
Emergency fund, withdrawable anytime without fees!
- Guaranteed positive growth ensures no decrease in peso value.
- Withdraw from your PDF in case of emergency.
- Premium deposit fund can be withdrawn anytime within a few banking days.
- No withdrawal fees (if 3 or fewer withdrawals per year).
Premium Flexibility
- Pay your premiums based on a schedule that fits your lifestyle.
- Pay annual, semi-annual, quarterly, monthly, weekly, daily.
- Pay regularly, limited pay
- Pay one time, pay sometime, pay all-the-time.
- Excess payments are "deposited" to interest-earning PDF.
- Premiums due are "withdrawn" from PDF
Convertible to Permanent Insurance
Get longer coverage by converting to permanent plans (while still insurable)
Get longer coverage by converting to permanent plans (while still insurable)
Level coverage
You know exactly how much minimum coverage you get.
Your investment/cash value is always added to your protection / coverage
You know exactly how much minimum coverage you get.
Your investment/cash value is always added to your protection / coverage
Level premium charges
You know exactly how much you are paying for insurance charges for 18 years
You know exactly how much you are paying for insurance charges for 18 years
Alternative Investment Flexibility
Option to withdraw without penalty gives you flexibility of where to "invest the difference," for example in mutual funds.
Option to withdraw without penalty gives you flexibility of where to "invest the difference," for example in mutual funds.
Low chance of lapsing
Premiums payments are automatically be "withdrawn" from the Premium Deposit Fund. As long as you have sufficient PDF investment, your plan will not lapse!
Premiums payments are automatically be "withdrawn" from the Premium Deposit Fund. As long as you have sufficient PDF investment, your plan will not lapse!
Builds discipline
Help you have discipline and habit to regularly save and invest. Instead of annual payments (which are easy to forget), you can opt to make regular "deposits" to your PDF.
Help you have discipline and habit to regularly save and invest. Instead of annual payments (which are easy to forget), you can opt to make regular "deposits" to your PDF.
Top-ups
Excess cash such as 13th month pay, and bonuses can be invested, with no top-up or sales load.
Excess cash such as 13th month pay, and bonuses can be invested, with no top-up or sales load.
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